
Citibank Canada, Citibank, N.A., Canadian branch, Citibank Canada Investment Funds Limited, Citi Canada Technology Services ULC, Citi Cards Canada Inc., Citigroup Global Markets Canada Inc., Citigroup Energy Canada Holdings ULC and Citigroup Commodities Canada ULC (collectively, “Citi Canada”) are subsidiaries of Citigroup Inc. Links on this page will bring you to the Citigroup Inc. global website. Citi Canada does not control information of Citigroup Inc. See information regarding the terms and conditions of use of the Citigroup Inc. website under the heading “Terms” at the bottom of this website.
Public Affairs for Citi in Canada
canada.communications@citi.com
Toronto – Head office:
123 Front Street West, Suite 1900
Toronto, Ontario M5J 2M3
Citi Commercial Bank puts 200 years of experience to work for midsized, globally oriented companies by delivering actionable insights and ideas, comprehensive banking solutions and a truly global network.
Learn more about Commercial Bank at Citi or contact us.

NPower Canada will receive $500,000 USD in grant support as part of Citi Foundation’s 2025 Global Innovation Challenge to launch the Digital Empowerment for Canadian Youth Initiative.
Citi Canada is committed to treating all people in a way that allows them to maintain their dignity and independence. We believe in integration and equal opportunity. We are committed to meeting the needs of people with disabilities in a timely manner, and will do so by preventing and removing barriers to accessibility and meeting accessibility requirements of the Accessible Canada Act (ACA), Accessible Canada Regulations, Accessibility for Ontarians with Disabilities Act and the Integrated Accessibility Standards Regulation.
Our Citi Canada Accessibility Plan and Citi Canada Accessibility Plan Progress Report outline the actions that Citi Canada will put or has put in place to improve opportunities for people with disabilities
Learn more about our Accessible Customer Service Policy: Providing Goods and Services to People with Disabilities.
We are constantly looking for ways to improve. We welcome all feedback, including feedback provided anonymously, regarding the manner in which we are implementing our Accessibility Plan or regarding barriers encountered by our employees or other persons that deal with Citi Canada. To provide feedback, please refer to the General section on the first page of the Citi Canada Accessibility Plan for details on how to forward your comments and suggestions.
Citi Canada is committed to providing information and communications in an accessible manner to people with disabilities at a cost that is no more than the regular cost charged to other persons. An accessible format or communication is a method of presenting information in a specific format in order to remove potential barriers to accessing and understanding information. Citi Canada understands that people with disabilities may require methods other than standard print to access information and are committed to providing accessible information and communication supports to our customers. Citi Canada offers, large text, Braille, audio format, and electronic format that is compatible with adaptive technology that is intended to assist persons with disabilities. To request an accessible format document, please refer to the General section on the first page of the Citi Canada Accessibility Plan for contact details of the individual who can assist you with your request.

Deposit Product List
The following instruments and/or products are deposits eligible for deposit insurance from the Canada Deposit Insurance Corporation, subject always to maximum coverage limitations as outlined in their brochure "Protecting Your Deposits" and provided they are payable in Canada:
| Chequing/ Savings/ Other Accounts | Outstanding Payment Items | Term Deposits | Deposits Not Directly Available to Customers |
|---|---|---|---|
Wholesale Current Accounts Canadian Dollar Preferred Investment Account United States Dollar Preferred Investment Account United States Dollar Savings Account Other Foreign Currency Account | Bank Drafts Certified Cheques Unclaimed Cheques | Term Deposits Time Deposits Wholesale Term Deposits | Suspense Accounts Items in Transit |
Trade Name List
Citibank Canada operates under the following trade names: Citi, Citi Canada, Citi Private Bank, CPB, Citi Wealth
**For further information, please contact CDIC at 1-800-461-2342**
CITIBANK N.A., CANADIAN BRANCH
NOTICE
Deposits with
Citibank, N.A., Canadian branch
are not insured by the
Canada Deposit Insurance Corporation
Filing Date | Document |
|---|
The Home Depot® Consumer Credit Card
Cardholder Agreement – Quebec Customers (Account opening March 15, 2020 and onwards)
Cardholder Agreement - Quebec Customers (Account opening up to March 14, 2020)
Cardholder Agreement - Customers Outside of Quebec with Additional Cardholders opened prior to July 2015
Cardholder Agreement - Customers Outside of Quebec - all others
The Home Depot® Commercial Revolving Card
Cardholder Agreement - Quebec Customers (Account opening March 15, 2020 and onwards)
Cardholder Agreement - Quebec Customers (Account opening up to March 14, 2020)
Cardholder Agreement - Customers Outside of Quebec
The Home Depot® Commercial Account
Consumer Credit Card
To login or Register to manage your account and/or Sign up for paperless statements click here. Contact 1-800-747-3787 TTY: We accept 711 or other Relay Service
Make everyday home improvements possible. Convenient for large and small projects alike, The Home Depot® Consumer Credit Card is an ideal addition to any toolbox. Open an account today and enjoy Special promotions offered throughout the year
For more information visit The Home Depot Credit Centre.
To login or Register to manage your account and/or Sign up for paperless statements click here. Contact 1-800-668-5336 TTY: We accept 711 or other Relay Service
If you would like some payment flexibility, sign up for the Home Depot® Commercial Revolving Card. This card is ideal for small-to-medium businesses that want the option of making minimum monthly payments.
For more information visit The Home Depot Credit Centre.
*Pro Xtra is The Home Depot’s rewards program built specifically for Pros. Your business can enjoy even more rewards and benefits when you use your The Home Depot commercial card. Learn more and sign up today at homedepot.ca/proxtra.
To login or Register to manage your account and/or Sign up for paperless statements click here. Contact 1-888-308-5080 TTY: We accept 711 or other Relay Service
If you want to keep track of your building costs, apply for the Home Depot® Commercial Account. This card is ideal for medium-to-large businesses that pay their balance in full each month.
For more information visit The Home Depot Credit Centre.
^ This is a non-revolving account and must be paid in full each month.
*Pro Xtra is The Home Depot’s rewards program built specifically for Pros. Your business can enjoy even more rewards and benefits when you use your The Home Depot commercial card. Learn more and sign up today at homedepot.ca/proxtra.
Citigroup Global Markets Canada Inc. (“CGMCI”) is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF). CGMCI is registered as an Investment Dealer.
Should you require additional information about the way in which orders are handled, please refer to Citi’s Order Handling Policy.
For additional information regarding filing a complaint please read Complaint and Inquiry Submission- Secure Form published by Canadian Investment Regulatory Organization (CIRO).
NOTICE
Deposits with
Citibank, N.A., Canadian branch
are not insured by the
Canada Deposit Insurance Corporation

In compliance with the Support Orders and Support Provisions (Banks and Authorized Foreign Banks) Regulations, Citibank Canada has designated the following offices for the service of enforcement notices in respect of the below noted provinces.
Alberta
Citibank Canada
888 - 3rd Street SW, Suite 1510
Calgary, Alberta
T2P 5C5
British Columbia
Citibank Canada
550 Burrard Street, Bentall 5, Suite 1228
Vancouver, BC V6C 2B5
Ontario
Citibank Canada
123 Front Street West, Suite 1900
Toronto, Ontario M5J 2M3
Quebec
Citibank Canada
1501 McGill College Avenue, 15th floor
Montréal (Québec) H3A 3M8
Our goal is to maintain your trust and confidence when handling personal information about you.
You Have Choices: As a Citi™ Canada customer, you have the opportunity to make choices about how personal information about you may be shared. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.
Security Of Personal Information: The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.
The Citi Canada Privacy of Personal information Statement (the Privacy Statement) describes how we collect and use your information, how it may be shared and with whom, our security practices and your privacy choices. To view the Privacy Statement, click on the Privacy of Personal Information Statement PDF below.
If you have any questions, concerns or a complaint about privacy, confidentiality or the handling of personal information, please let us know. You may contact us by phone, mail or email as noted below. If forwarding written correspondence* please include your full name, address and telephone number.
Telephone: Please contact the office that you deal with or visit the Privacy Statement for a list of toll-free numbers for the various Citi Canada businesses.
Mail: Chief Privacy Officer, Citi Canada
Quebec Data Protection Officer, Citi Canada
123 Front Street West, Suite 1600
Toronto, Ontario M5J 2M3
Phone: 1-888-245-1112; Toronto 416-947-4122
Email: canada.privacy.office@citi.com
If, after contacting us, you do not feel we have adequately addressed your concerns you may contact:
The Office of the Privacy Commissioner of Canada
Toll-free Telephone: 1-800-282-1376
Mail: 30 Victoria Street, Gatineau, QC K1A 1H3
Fax: 819-994-5444
Visit: www.priv.gc.ca/en/report-a-concern
*Please be advised that any information sent via email is not considered secure and privacy cannot be ensured. Therefore, we ask that you not include any confidential information such as bank account numbers, credit card numbers, or other account details.
The Bank Act requires banks to inform customers and the public in plain language that certain conduct by its employees is illegal. To comply with the law, Citibank Canada and its wholly-owned subsidiaries and Citibank, N.A., hereafter referred to as "Citibank", have created this web page explaining the conduct that is prohibited and how to contact us if you have any questions, complaints or concerns.
What Conduct is Prohibited?
The Bank Act prohibits the bank engaging in certain conduct. It is against the law to:
What is Coercive Tied Selling?
The Bank Act prohibits a bank from practicing coercive tied selling which involves a bank imposing undue pressure on or coercing a person to obtain a product or service from a particular person, including the bank and any of its affiliates, as a condition for obtaining another product or service from the bank. You cannot be unduly pressured to buy a product or service that you don't want, from a bank or one of its affiliates, to obtain another bank product or service.
Examples of Prohibited Conduct
The following examples will help to explain prohibited conduct and what is not allowed.
All of the above practices are against the law since a bank cannot pressure, coerce or take advantage of you. If you qualify for a product, a banking representative is not allowed to excessively pressure you to buy another unwanted product or service as a condition of obtaining the product you want.
What is NOT Prohibited Conduct?
Most businesses, including Citibank, look for tangible ways to show their interest in your business and appreciation for your loyalty. Sales practices, such as preferential pricing and bundling of products and services, offer potential and existing customers better prices or more favourable terms. These practices should not be confused with prohibited conduct under the Bank Act. Many of these practices will be familiar to you in your dealings with other businesses.
What is Preferential Pricing?
Preferential pricing means offering customers a better price or rate on all or part of their business. For example, a shoe store offers a second pair of shoes at half price.
Similarly, a bank may be able to offer you preferential pricing - a higher interest rate on investments or a lower interest rate on loans - if you use more of its products or services. The following two examples will help to explain preferential pricing in banks.
The above practices are acceptable. The approval of your mortgage and RRSP loan is not conditional on your taking another bank product or service. Rather you are offered preferential pricing to encourage you to give the bank more business.
What is Bundling of Products and Services?
Products or services are often combined to give consumers better prices, incentives or more favourable terms. By linking or bundling their products or services, businesses are often able to offer them to you at a lower combined price than if you bought each product on its own. For example, a fast-food chain advertises a meal combination that includes a hamburger, fries and a drink. The overall price is lower than if you bought the three items separately.
Similarly, banks may offer you bundled financial services or products so that you can take advantage of package prices that are less than the sum of the individual items.
The following example will help to explain the bundling of bank products and services.
Bundling products in this way is permitted because you have the choice of buying the items individually or in a package.
How do we Manage our Credit Risk?
To ensure the safety of their depositors, creditors and shareholders, banks must carefully manage the risk on the loans and credit cards they approve. Therefore the law allows us to impose certain requirements on borrowers as a condition for granting a loan - but only to the extent necessary for us to manage our risk.
The following example will help to explain how banks manage such risk.
The above example is legal and appropriate. Having your business' operating account at the bank allows your bank to assess possible risks associated with your business' cash flow and manage the risk associated with the loan.
At Citibank, our requirements for borrowers will be reasonable and consistent with our level of risk.
What is Our Commitment to You?
We expect all employees at Citibank to comply with the law and not to engage in any type of prohibited conduct, including coercive tied selling practices or conduct that imposes undue pressure, coerces or takes advantage of another person. We urge you to let us know if you believe that you have experienced any of these prohibited practices in any dealings with us.
How Can You Contact Us?
Please let us know if you have any questions, complaints or concerns about your dealings with Citibank:
Chief Compliance Officer/Senior Complaints Officer
Citibank Canada
123 Front Street West, Suite 1600
Toronto, Ontario M5J 2M3
Phone: 1-888-245-1112
You may also contact OBSI or the FCAC as noted below.
Ombudsman for Banking Services and Investments (OBSI)
20 Queen Street West, Suite 2400
P.O. Box 8
Toronto, Ontario, M5H 3R3
Phone: 1-888-451-4519
Email: ombudsman@obsi.ca
Financial Consumer Agency of Canada (FCAC)
The FCAC is responsible for ensuring that all financial institutions comply with federal consumer legislation and will investigate any complaint that relates to a possible breach.
You may contact the FCAC in writing at 427 Laurier Avenue West, 5th Floor, Ottawa ON, K1R 1B9; by calling 1-866-461-3222 (English); 1-866-461-2232 (En Francais) or through its website at http://www.fcac-acfc.gc.ca.
December 11, 2025
Citi's Canadian Dollar PRIME Lending Rate is 4.35% per annum.
Citi's US Dollar PRIME Lending Rate is 6.75% per annum.
* Rates are subject to change without notice at any time.
Bank of Canada Overnight Rate:
https://www.bankofcanada.ca/core-functions/monetary-policy/key-interest-rate/
If you have a complaint or problem, please use the information below to contact the business group where your concern arose.
Citibank Commercial Cards
Citibank Canada, Citi Cards Canada Inc.
PO Box 2053, Station B
Toronto, ON M5J 2M3
Telephone: 1-888-834-2484
Treasury and Trade Solutions (Cash Management)
Client Services
Citibank N.A., Canadian branch, Citibank Canada
123 Front Street West, Suite 1800
Toronto, ON M5J 2M3
Telephone: 1-877-977-2484 or 416-947-4174 Option 4
Treasury and Trade Solutions (Spring by Citi)
Client Services
Citibank N.A., Canadian branch, Citibank Canada
123 Front Street West, Suite 1800
Toronto, ON M5J 2M3
Phone: +1 416 947 4177
Email: spring.support@citi.com
Private Banking Services
Citi Private Bank, Citibank Canada
and/or Citibank Canada Investment Funds Limited*
123 Front Street West, Suite 2000
Toronto, ON M5J 2M3
Telephone: 416-947-5300
* For Quebec-based residents, please find a summary of our complaints processing and dispute resolution to assist you in filing a complaint.
Banking (Corporate Banking and Commercial Banking)
Citibank N.A., Canadian branch
123 Front Street West, Suite 1900
Toronto, ON M5J 2M3
Telephone: 416-947-5500
Investor Services (Custody Services)**
Citibank, N.A., Canadian branch
123 Front Street West, Suite 2000
Toronto, ON M5J 2M3
Telephone: 416-947-5325
** Investor Services provides securities settlement and safekeeping on the Canadian capital market for institutional clients.
Citigroup Global Markets Canada Inc.***
123 Front Street West, Suite 1900
Toronto, ON M5J 2M3
Telephone: 416-947-5537
*** For additional information regarding filing a complaint with Citigroup Global Markets Canada Inc. please see Complaint and Inquiry Submission- Secure published by Canadian Investment Regulatory Organization (CIRO)
The Home Depot® Consumer Credit Card****
Citi Cards Canada Inc.
5900 Hurontario Street
Mississauga, ON L5R 0B8
Telephone: 1-800-747-3787, TTY: We accept 711 or other Relay Service
**** Please note this business group does not fall under the jurisdiction of the Citibank Canada Senior Complaints Officer’s Office. If you have escalated your concern to all levels within the business group and are still not satisfied with the resolution, you may contact the Customer Advocacy Unit, Citi Cards Canada.
By mail:
Customer Advocacy Unit
Citi Cards Canada Inc.
5900 Hurontario Street
Mississauga, ON L5R 0B8
Telephone: 866-765-9580
Fax: 866-259-1969
If your concern remains unresolved after talking to one of the Telephone Representatives or Supervisors, you may elevate your concern to a Manager. If a Manager is not immediately available, the Representative can assist you in leaving a message and/or requesting further contact. If you have escalated your concern to all levels within the business group and are still not satisfied with the resolution, you may contact the Citibank Canada Senior Complaints Officer. Please note: If your concern relates to The Home Depot credit card account, please contact the Customer Advocacy Unit for Citi Cards Canada as outlined above.
Citibank Canada Senior Complaints Officer
By mail:
Citibank Canada Senior Complaints Officer
123 Front Street West, Suite 1600
Toronto, ON M5J 2M3
Telephone: 1-888-245-1112; Toronto 416-947-4122
E-mail: citicanadaseniorcomplaintsofficer@citi.com
If you are not satisfied with the Citibank Canada Senior Complaints Officer's resolution of your complaint, you may contact the Ombudsman for Banking Services and Investments ("OBSI"). You have 180 calendar days from the date of the Citibank Canada Senior Complaints Officer's review to bring your complaint to OBSI.
Ombudsman for Banking Services and Investments
By mail:
Ombudsman for Banking Services and Investments
20 Queen Street West, Suite 2400
P.O. Box 8
Toronto, Ontario
M5H 3R3
Toll free telephone: 1-888-451-4519
Toll free fax: 1-888-422-2865
Toronto area telephone: 416-287-2877
Toronto area fax: 416-225-4722
E-mail: ombudsman@obsi.ca
Web site: www.obsi.ca
For reasons of confidentiality and security, do not send confidential information such as account information or credit card number via email.
Financial Consumer Agency of Canada (FCAC)
The Financial Consumer Agency of Canada supervises all federally regulated financial institutions, which includes banks, (financial institutions), for compliance with federal consumer protection laws.
Financial institutions are legally required to have a complaint-handling process in place.
If you have a problem with a financial product or service, you may file a complaint with the responsible financial institution directly.
If you are not satisfied with how your complaint has been handled or 56 days has passed since you made your complaint, you can escalate the complaint to the following External Complaints Body: Ombudsman for Banking Services and Investments.
If you want to know your rights or need information about the complaint-handling process of a financial institution, you may contact FCAC by online form, mail, or telephone. FCAC uses information from consumer enquiries to support its mandate.
Web site: https://www.canada.ca/fcac
Online form: https://www.canada.ca/en/financial-consumer-agency/corporate/contact-us.html
Phone:
For service in English: 1-866-461-FCAC (3222)
For service in French: 1-866-461-ACFC (2232)
For calls from outside Canada: 613-960-4666
Teletypewriter (TTY): 1-866-914-6097 / 613-947-7771
Video Relay Service: FCAC welcomes Video Relay Service (VRS) calls. You do not need to authorize the relay service operator to communicate with FCAC. Visit https://srvcanadavrs.ca/en/ to learn more.
Mailing address:
Financial Consumer Agency of Canada
427 Laurier Avenue West, 5th Floor
Ottawa ON K1R 7Y2
Complaints Received by the Citibank Canada Senior Complaints Officer
The Citibank Canada Senior Complaints Officer is the most senior Citibank Canada employee designated for handling complaints. In 2025, the Senior Complaints Officer’s Office dealt with three (3) complaints for Citibank Canada. No complaints were received for Citibank, N.A., Canadian branch.
The average length of time taken to deal with these three (3) complaints was 44 days. Two (2) complaints were resolved to the satisfaction of the complainants. One (1) complaint was closed.
Two complaints related to legacy Citibank Mastercard credit card accounts. One complainant expressed dissatisfaction with receiving collection calls on the outstanding balance on the account as they were unable to make payments due to being unemployed and the other complaint related to being contacted by a collection agency for a small outstanding balance on an account paid in full in 2013. The third complaint involved a Treasury and Trade Solutions Commercial Cards credit card account and disputed fraud transactions that posted to the cardholder’s account.
Canadians are living longer, which can bring health, mobility, or cognitive changes that may impact their ability to bank.
Citibank Canada has adopted the Code of Conduct for the Delivery of Banking Services to Seniors.
Important resources for Seniors provided by Citi include:
Accessibility- please see Accessibility section above under Further Information.
Power of Attorney and Joint Deposit Accounts - please refer to our Power of Attorney and Joint Deposit Account Frequently Asked Questions (FAQ)
Other important resources for Seniors:
Information for seniors: banking tools, scam prevention and financial abuse protection
Canadian Anti-Fraud Centre - Recent scams and fraud
Elder Abuse - Financial Fraud by Strangers
Powers of Attorney Bank Requirements
What every older Canadian should know about: Fraud and scams
Annual Report – Steps taken by Citibank Canada to support the principles set out in the Code of Conduct for the Delivery of Banking Services to Seniors:
Spring by Citi is an end-to-end digital payments service enabling ecommerce and B2B funds globally.
Click here to learn more: https://www.citibank.com/icg/sa/spring/
The banking industry has developed and is committed to several voluntary codes designed to protect consumers.
Code of Conduct for the Delivery of Banking Services to Seniors
A code of conduct that sets out principles that apply to banks to guide them when they deliver banking products and services to Canada’s seniors
Code of Conduct for the Payment Card Industry in Canada
Code of conduct that sets principles for business practices related to the issuance and acceptance of payment cards and operation of payment card networks.
Online Payments
Consumer and industry responsibilities related to the use of online payments systems in Canada.
Principles of Consumer Protection for Electronic Commerce: A Canadian Framework
A guide to protecting customers in online transactions, developed with input from industry, government and consumer groups.
Commitment on Modification or Replacement of Existing Products or Services
Banks provide consumers with assurances related to the modification or replacement of existing products and services.
Commitment on Powers of Attorney and Joint Deposit Accounts
Banks that accept Powers of Attorney from or open joint deposit accounts for clients agree to provide clients with certain information to help clients understand the implications of using them.
Power of Attorney and Joint Deposit Account FAQs
For more details on these Voluntary Codes of Conduct and Public Commitments, please contact the Citi office that you deal with.
The Financial Consumer Agency of Canada (FCAC) oversees adherence to these Voluntary Codes of Conduct and Public Commitments. You may contact the FCAC as noted below.
Mailing Address: Financial Consumer Agency of Canada
427 Laurier Ave. W., 5th floor
Ottawa ON, K1R 1B9
Phone: 1-866-461-3222 (English)
1-866-461-2232 (En Francais)
Website: https://www.canada.ca/en/financial-consumer-agency.html
HEAD OFFICE
Citibank Canada
Citigroup Place
123 Front Street West, Suite 1900
Toronto, Ontario M5J 2M3
Major Intersection: Citigroup place is located on the south west (SW) corner of Front and York streets, just west of Union Station.
Call: 416-947-5500
INSTITUTIONAL BUSINESSES:
Banking, Capital Markets and Advisory: 416-947-5500
Markets and Securities Services: 416-947-5500
Citi Treasury and Trade Solutions: 416-947-5500
Citi Private Bank: 416-947-5300
CITIBANK COMMERCIAL CARDS
Customer Care:
In North America, call toll-free 1-888-834-2484 or fax 416-369-4878, 24 hours a day, seven days a week.
Outside North America, call collect 416-369-6399 or fax 416-369-4878, 24 hours a day, seven days a week.
Within Toronto area, call 416-369-6399 or fax 416-369-4878, 24 hours a day, seven days a week.
Mail to:
CITIBANK CANADA
PO BOX 2053 STN B
Mississauga ON L4Y 0B6
CONSUMER BUSINESS:
Citi Cards Canada Inc.
5900 Hurontario Street
Mississauga, Ontario
L5R 0B8
Home Depot Consumer Card 1-800-747-3787 (English or French) TTY: We accept 711 or other Relay Service
Home Depot Commercial Revolving Card 1-800-668-5336 (English or French) TTY: We accept 711 or other Relay Service
Home Depot Commercial Account 1-888-308-5080 (English or French) TTY: We accept 711 or other Relay Service
Retail Private Label 1-800-233-8557 TTY: We accept 711 or other Relay Service
Please use above contact us information to learn more about unclaimed property.

